1. The entire contract provision in a health policy means the agreement consists of the policy together with:

The attached copy of the application

The entire contract is the policy plus the attached application; statements outside those documents are not part of it.

2. Under the claim forms provision, if the insurer fails to furnish claim forms within the required time, the insured may:

Submit written proof of loss in their own words

If the insurer does not supply claim forms in time the insured may submit proof of loss in any reasonable written form.

3. The time of payment of claims provision requires the insurer to pay covered claims:

Promptly after receiving acceptable proof of loss

This provision requires the insurer to pay claims promptly once it receives satisfactory proof of loss.

4. If a health policy's beneficiary designation is revocable, the policyowner may change it:

At any time by a proper written request to the insurer

A revocable beneficiary may be changed at any time by the policyowner through the proper request to the insurer.